The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$113,208
−HK$7,099/mo
▼ 0.25% · 3.875%
HK$116,729
−HK$3,578/mo
Today · 4.125%
HK$120,307
baseline
▲ 0.50% · 4.625%
HK$127,628
+HK$7,321/mo
Deposit HK$24.82M · loan HK$24.82M · min. income ≈ HK$240,614/mo (50% DSR)
Upfront cash ≈ HK$26.93M (deposit + AVD stamp duty HK$2,110,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,943
−HK$6,804/mo
▼ 0.25% · 3.875%
HK$129,321
−HK$3,426/mo
Today · 4.125%
HK$132,747
baseline
▲ 0.50% · 4.625%
HK$139,744
+HK$6,997/mo
Deposit HK$24.82M · loan HK$24.82M · min. income ≈ HK$265,494/mo (50% DSR)
Upfront cash ≈ HK$26.93M (deposit + AVD stamp duty HK$2,110,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,850
−HK$8,519/mo
▼ 0.25% · 3.875%
HK$140,075
−HK$4,294/mo
Today · 4.125%
HK$144,369
baseline
▲ 0.50% · 4.625%
HK$153,153
+HK$8,784/mo
Deposit HK$19.86M · loan HK$29.79M · min. income ≈ HK$288,738/mo (50% DSR)
Upfront cash ≈ HK$21.97M (deposit + AVD stamp duty HK$2,110,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,131
−HK$8,166/mo
▼ 0.25% · 3.875%
HK$155,185
−HK$4,112/mo
Today · 4.125%
HK$159,297
baseline
▲ 0.50% · 4.625%
HK$167,693
+HK$8,396/mo
Deposit HK$19.86M · loan HK$29.79M · min. income ≈ HK$318,594/mo (50% DSR)
Upfront cash ≈ HK$21.97M (deposit + AVD stamp duty HK$2,110,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,491
−HK$9,939/mo
▼ 0.25% · 3.875%
HK$163,421
−HK$5,009/mo
Today · 4.125%
HK$168,430
baseline
▲ 0.50% · 4.625%
HK$178,679
+HK$10,249/mo
Deposit HK$14.89M · loan HK$34.75M · min. income ≈ HK$336,860/mo (50% DSR)
Upfront cash ≈ HK$17.00M (deposit + AVD stamp duty HK$2,110,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,320
−HK$9,526/mo
▼ 0.25% · 3.875%
HK$181,049
−HK$4,797/mo
Today · 4.125%
HK$185,846
baseline
▲ 0.50% · 4.625%
HK$195,642
+HK$9,796/mo
Deposit HK$14.89M · loan HK$34.75M · min. income ≈ HK$371,692/mo (50% DSR)
Upfront cash ≈ HK$17.00M (deposit + AVD stamp duty HK$2,110,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$203,774
−HK$12,779/mo
▼ 0.25% · 3.875%
HK$210,113
−HK$6,440/mo
Today · 4.125%
HK$216,553
baseline
▲ 0.50% · 4.625%
HK$229,730
+HK$13,177/mo
Deposit HK$4.96M · loan HK$44.68M · min. income ≈ HK$433,106/mo (50% DSR)
Upfront cash ≈ HK$7.07M (deposit + AVD stamp duty HK$2,110,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$226,697
−HK$12,248/mo
▼ 0.25% · 3.875%
HK$232,777
−HK$6,168/mo
Today · 4.125%
HK$238,945
baseline
▲ 0.50% · 4.625%
HK$251,540
+HK$12,595/mo
Deposit HK$4.96M · loan HK$44.68M · min. income ≈ HK$477,890/mo (50% DSR)
Upfront cash ≈ HK$7.07M (deposit + AVD stamp duty HK$2,110,001 · Scale 2, in force from 26 Feb 2026)